Charles L Perry

Address:

4305 Whispering Leaves Ln, Bowie, MD 20716

VIN:

1C3LC45K88N100663

Make:

CHRYSLER

Model:

SEBRING

Year:

2008

US Patent:

20070208660, Sep 6, 2007

Filed:

Mar 2, 2006

Appl. No.:

11/365788

Inventors:

Charles Perry - Riverdale MD, US

International Classification:

G06Q 40/00

US Classification:

705038000

Abstract:

Let me point out what is new about this process versus the old credit repair process: A) In the old process of credit repair you need to write numerous letters pertaining to each account and/or use codes stipulated in the fair credit reporting act to respond or challenge the credit bureaus. Each letter must be neatly typed or handwritten using the properly codes and/or pre-printed letters (if you bought the software). This usually took a lot of time and confusion for writing the software pre-printed letters and use codes that correspond to each item or letter. You could spend not only a lot of time writing and/or completing letters, you also had to buy stamps for each letter, with could add up to a lot of postage. Also, it did specifically show or explain how to successfully remove a “bankruptcy” from your credit report. B) The new process eliminates wasted time, confusion, and remembering all those codes for each item. It's very simple to use, by just using the investigation forms in the back of each credit report and listing “all” the bad credit items at once on it, instead of 2 or 3 items at a time every 3 or 4 months. And it also explains how to successfully remove a “bankruptcy” from your credit report step by step using the same new process above. This way you use less postage to mail to the three credit bureaus Equifax, Experian and Transunion and you are done. Keep in mind, the majors credit bureaus don't want people to know that you can challenge any item on your credit report, regardless of whether it's yours or not yours. Credit bureaus say, that if you have bad credit (thats yours), that it can not be deleted until 7 or 10 years depending on the nature of the item(s). But what they don't tell you is, you have a “right” to challenge any item on your report regardless of whether it's yours or not yours . . . because in America every one is innocent until proven guilty and that's the same way with the credit bureaus. Even though it shows bad credit on your credit report “it can and must be verified to prove that it is yours . . . “it's your right under the law” (Fair Credit Reporting Act).